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Medicare plans in San Mateo County, CA — 2026
What agents look up before working a county: plan count, carriers, $0-premium share, star distribution, MOOP range, the 65+ and 60–64 population, and what changed since last year.
In 2026, San Mateo County, California has 45 Medicare plans (19 Medicare Advantage with drug coverage, 3 without, 12 standalone Part D, 11 Special Needs) from 16 carriers. 21 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $296.
Market snapshot
- Residents 65 and older
- 132,242
- Residents 60–64, aging in over the next five years
- 46,301
- Medicare eligibles
- 145,424
- Medicare Advantage penetration
- 50.6%
- Plans per 1,000 residents 65+
- 0.3
Carriers by number of plans
- Central Health Medicare Plan — 5 plans
- SCAN Health Plan — 5 plans
- Aetna Medicare — 4 plans
- Alignment Health Plan — 4 plans
- Kaiser Permanente — 4 plans
- Align Senior Care — 3 plans
- Blue Shield of California — 3 plans
- Humana — 3 plans
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|
| Kaiser Permanente Senior Advantage Basic San Mateo (HMO) (H0524-065-0) | Kaiser Permanente | MA-PD | HMO | $15 | $0 | $6,000 | 4.5 |
|---|
| Kaiser Permanente Sr Adv Enhanced Marin San Mateo (HMO) (H0524-031-0) | Kaiser Permanente | MA-PD | HMO | $89 | $0 | $3,900 | 4.5 |
|---|
| Aetna Medicare Enhanced (PPO) (H5521-676-0) | Aetna Medicare | MA-PD | PPO | $204 | $615 | $4,900 | 4.5 |
|---|
| Aetna Medicare Eagle (PPO) (H5521-369-0) | Aetna Medicare | MA | PPO | | | $6,750 | 4.5 |
|---|
| Alignment Health Harmony (HMO) (H3815-031-0) | Alignment Health Plan | MA-PD | HMO | $0 | $0 | $3,400 | 4.0 |
|---|
| Alignment Health Honor+ Plan (HMO) (H3815-052-0) | Alignment Health Plan | MA-PD | HMO | $0 | $615 | $9,250 | 4.0 |
|---|
| Kaiser Permanente Dual Complete North P2 (HMO D-SNP) (H8794-002-0) | Kaiser Permanente | SNP | HMO D-SNP | $0 | $0 | $9,250 | 4.0 |
|---|
| Kaiser Permanente Dual Complete North P22 (HMO D-SNP) (H8794-022-0) | Kaiser Permanente | SNP | HMO D-SNP | $0 | $0 | $9,250 | 4.0 |
|---|
| SCAN Allied (HMO) (H5425-118-0) | SCAN Health Plan | MA-PD | HMO | $0 | $250 | $1,999 | 4.0 |
|---|
| SCAN Balance (HMO C-SNP) (H5425-076-0) | SCAN Health Plan | SNP | HMO C-SNP | $0 | $250 | $1,500 | 4.0 |
|---|
Showing 10 of 45 plans.
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About this data
Source: CMS Medicare Advantage/Part D Landscape files, plan year 2026; population: U.S. Census Bureau ACS 5-year 2024; MA penetration: CMS September 2026.
This page summarizes publicly available CMS data. It is not a plan finder and does not recommend plans. To compare and enroll in plans, use Medicare.gov or talk to a licensed agent. Medicare.gov plan finder.